Habitat for Humanity of Chester County
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Mission Statement
Using volunteer labor and donor dollars, Habitat builds decent, affordable housing in partnership with hard-working families in need in Chester County.
About This Cause
Habitat for Humanity of Chester County, Incorporated (HfHCC) is organized as a Pennsylvania nonprofit corporation, governed by a self-perpetuating Board of Directors with full responsibility for all of its fiscal and operational affairs. It is one of more than 1,500 United States affiliates of Habitat for Humanity International (HfHI) headquartered in Americus, GA. Our primary objective is to provide a hand up to hard-working families in need by building decent, affordable housing in Chester County. Habitat for Humanity is led and sustained by volunteers of all faiths, serving low-income families regardless of race, gender, culture, religion or familial status. HfHCC began operations in 1986 as a unit of the Habitat affiliate then known as the Greater Philadelphia Area Habitat for Humanity. HfHCC became a separate affiliate in 1989, and has provided affordable homeownership for 137 families in Coatesville, Downingtown, Phoenixville and West Chester. Each property is sold to a low-income family using a no-interest 25 to 30-year mortgage for the full purchase price of the home. The price is determined by the costs expended directly for materials and non-contributed labor plus apportioned administrative costs. Mortgage payments made to HfHCC go into a revolving Fund for Humanity that is used to build more houses for low-income families in need. A soft second mortgage based on the difference between the purchase price of the home and a certified market appraisal is established between HfHCC and the homeowners. This prevents profiteering and is designed to help insure the stability of the neighborhood. Habitat homeowners are selected based upon their need for decent, affordable housing, a qualifying income, and the willingness to participate in our sweat equity program. We require 200 hours of “sweat equity” from each adult applicant as part of his or her eligibility for Habitat homeownership. As well as adding to our construction labor pool, the “sweat equity” model makes homeowners immediate stakeholders in the neighborhood in which their home is located. This is what makes Habitat for Humanity unique when compared to all other programs, because it engenders buy-in from the applicant family. Habitat for Humanity of Chester County is the only nonprofit housing organization in the county serving middle, low and very low income ( up to 80% of Area Median Income) families.